Personalisation options

Anyone can become the victim of a workplace accident at any time.
That’s why you, as a business owner and employer, are required by
law to take out work accident insurance.
KBC Commercial Employee Insurance extends beyond
just the legal requirements: we offer supplementary cover that
provides you, your employees and assistants with extra protection.

What is work accident insurance?

Work accident insurance is a compulsory insurance policy you,
as an employer, are required to take out for anyone with whom you sign
an employment contract, even if you’ve only hired them for a
day.

It leaves your employees safe in the knowledge that
they’re well insured if they have an accident at work.

If you fail to take out work accident insurance, you will be liable
for the costs. You also run the risk of being fined – or even, in some
cases, (the risk of) imprisonment.

Why take out work accident insurance with KBC?

Our insurance for accidents at work gives your staff all the legally
required cover, plus 4 other types of cover at no extra charge.
That means they’re also insured for work-related accidents not
covered by compulsory insurance.

Teleworking: cover for accidents occurring while you’re
working from home (like falling down stairs)

Events: provided the employer is one of the event
organisers

Work-related travel: includes foreign trips and domestic
business travel involving one or more overnight stays

Death benefit: if one of your staff dies as a result of an
accident at work, we’ll also compensate the surviving partner
(regardless of whether they were officially or unofficially
cohabiting)

Additional options for even better employee protection

With good employees being hard to find and the war for talent raging
as never before, it is essential that you give your staff plenty of
reasons to choose your company every day. A good way to start is by
offering a number of competitive additional options under the work
accident insurance policy.

Recommended: Extra protection for your higher-paid employees

Compensation under workers’ compensation legislation is based on the
statutory wage ceiling. For work-related accidents, this wage is 44
330.26 euros in 2019. If your employees earn more than the capped
amount, you can include the amount in the supplementary Excess
Wages cover.

What is covered?

We insure the portion above the wage ceiling in the same way
as the statutory compensation

What is not covered?

Non-pecuniary loss and material damage

Suicide and
the consequences of attempted suicide

Accidents caused
intentionally or resulting from gross negligence, such as in a state
of alcohol intoxication

Benefits for employers

More to bargain with when it comes to retaining highly
qualified staff

Recommended: Recovery of wages following a work-related accident

When an employee has an accident at work, their employer is obliged
to pay them wages for their first month of being unable to work. The
compulsory insurance for work-related accidents doesn’t fully cover
this.

This cover compensates you for the part of the
guaranteed income that you have to pay yourself.

What is covered?

The difference between the gross wage that you have to pay as
employer for the first month and the compensation you receive from
your work accident insurer

The employer social
security contributions that you pay as employer for the insured
guaranteed wage period

Recommended: Personal assistance for work-related travel

If one of your employees becomes ill or has an accident while
travelling for work, you can make sure they are properly insured by
taking out the supplementary Personal assistance cover for
work-related travel. That provides cover both at home and abroad.

What is covered?

Assistance in Belgium

Transporting sick or injured persons

Search and
rescue costs

Assistance abroad

Medical expenses and search and rescue costs

Repatriation for medical reasons

Luggage
transport

Travel and accommodation expenses for
family members in case of hospitalisation

Early
return home in certain crisis situations at home

Emergency assistance providing things like medicine, glasses or
a suitcase of clothes

What is not covered?

Work-related travel that already started before this cover was
taken out

Supplementary cover for medical and funeral expenses

What is covered?

Medical expenses not covered by the Workers’ Compensation Act:
up to 5 000 euros

Additional funeral expenses: up to 5 000
euros

What is not covered?

Accidents in your employee’s private life that occur during a
period of absence for which the policyholder does not pay wages
(except in the case of absence due to illness, pregnancy leave or an
accident)

Accidents occurring in your employee’s private life

The supplementary cover for Private-life accident insurance based
on the Workers’ Compensation Act also protects your employees if
they are involved in an accident outside the workplace.

What is covered?

Compensation in the event of temporary or permanent work
disability

Funeral expenses and compensation for a deceased
employee’s loved ones

Medical expenses following an
accident

What is not covered?

Accidents in your employee’s private life that occur during a
period of absence for which the policyholder does not pay wages
(except in the case of absence due to illness, pregnancy leave or an
accident)

Feel free to contact your KBC Insurance agent for advice

Good to know

This product is governed by the laws of Belgium.

The
types of cover in this policy apply for a term of one year or three
years. The policy will be tacitly renewed on the renewal date for
successive terms of the same duration as the initial term that is
contracted unless the policy is cancelled no later than three months
before the principal renewal date.

Your intermediary is
your first point of contact for any complaints you may have. If no
agreement can be reached, you can contact KBC Complaints
Management by post at Brusselsesteenweg 100, 3000 Leuven, by e-mail
at complaints@kbc.be, by telephone on tel. 0800 62 084
(freephone number) or 078 152045 (paid number), or by fax on 016
863038. If you cannot find a suitable solution, you can contact the
Insurance Ombudsman – which serves the whole industry – by post at
de Meeûssquare 35, 1000 Brussels, by e-mail at info@ombudsman.as, or through
its website at www.ombudsman.as. However,
you always retain the right to initiate legal proceedings.

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